A: Banco Fibra S.A Rural Community Bank LTD visa debit cards are available in Classic and Platinum and they work like cash, cheques, and ATM cards, but better.

Customers can enjoy services at home or abroad, directly from their chequing or savings account. They just need to visit any trade place which accepts Visa. Simply swipe Your card and sign for purchase. Also, Banco Fibra S.A Rural Community Bank LTD Visa Debit Card is a worldwide ATM card and is accepted at all ATMs where Visa or PLUS logos are shown.

How Point of Sale (POS) Works:

Where Visa is accepted, cashier swipes Visa Debit card as regular credit card or debit card for payment. You complete transaction signing receipt. You return cashier's copy and keep Your customer's copy. Your Personal Identification Number (PIN) is not needed!

Banco Fibra S.A Rural Community Bank LTD Visa Debit card is linked to Your chequing/savings account and works like Your local debit card, but it allows to access Your account anywhere in the world!

A: Convenience

- Easier to use than cash and cheques, including travelers' cheques, and 24/7 access to your funds worldwide

Security

- No cash

- Insurance for travel accident, car rental etc.

Control

- Funds available in Your account can be spent only

- You can track Your expenses via Your Bank-issued statements, Internet Banking and Telephone Banking

Global Acceptance

- Accepted worldwide with VISA logo

A: With Banco Fibra S.A Rural Community Bank LTD Visa Debit card - no need to enter Personal Identification Number (PIN) at the Point-of-Sale (POS), like your local debit card. Instead, you authorise your transactions by signature, just like a credit card. Your Visa Debit card will allow you to make purchases and access cash at millions of locations worldwide where the Visa and PLUS logos are displayed.

A: Yes, You will. You'll sign one copy of Your receipt and return to trader and You'll keep Your customer copy. You should keep receipts for check with your bank statement.

A: You will only be able to make purchases or withdraw cash from one account which You'll indicate as Your main account for all Visa Debit card purchases. You'll not be able to select either savings or chequing at trader; funds will be automatically taken off Your main account.

A: You can transfer funds to Your main account via Internet Banking, Telephone Banking or Your branch..

A: If your chequing account is designated as Your main account You'll continue to receive Your monthly chequing account statement. This statement will provide details on Your Visa Debit transactions. If Your saving account is designated as Your main account You're expected to keep track of Your account via Internet Banking at no cost.

A: If You have questions about any transaction You should contact Bank immediately and in case of disputes, You should notify Bank in writing 15 calendar days from transaction date.

A: At Banco Fibra S.A Rural Community Bank LTD, we provide so many different products and services where our customers can access their money anywhere worldwide. Banco Fibra S.A Rural Community Bank LTD Visa Debit card is easy, safe and convenient way customers can pay for their goods and services at home, abroad or on Internet where Visa cards are accepted.

A: Yes, Your local Convenience card will continue to allow You to access Your account after You have activated your Visa Debit card. Your Convenience card also gives You possibility to access Internet Banking so You should obtain Your card for this purpose.

A: Active Savings and Chequing account holders. Wealth and relationship managed customers qualify for Visa Platinum card. All other customers can apply for Visa Classic card.

A: In comparison with Your local debit card which attracts fee when you shop at merchants, Your Visa debit card purchases are free from fees.

A: No; there are no annual or joining fees for Visa Debit.

A: You will continue to pay fees associated with Your chequing/ savings account which are displayed in Bank's Schedule of Charges.

Other financial institutions may from time to time impose fees in respect of each transaction not related to Banco Fibra S.A Rural Community Bank LTD's fees and charges.

Charges will continue for cash advances done at other bank's ATMs and balance enquiries.

There is no charge when you use your card at Banco Fibra S.A Rural Community Bank LTD's Instant Tellers.

A: With Your Banco Fibra S.A Rural Community Bank LTD Visa Debit card, you can pay for your purchases at any local and international location where Visa is accepted, including supermarkets, schools, gas stations, restaurants, clothing stores, book stores, pharmacies, hotels, car rentals, airlines, beauty stores and online merchants.

You can also use Your Visa Debit card for paying bills (phone, light, water, Internet insurance payments etc)

A: See table below